Points & Miles — Bilt Card vs Amex Platinum

Earn rates by spend category

Bilt Card

1.25× Rent & mortgage (no transaction fee) ✓Verified by source

1× Everything else ≈Inferred by source

Amex Platinum

5× Flights (direct or Amex Travel) ≈Inferred by source

5× Prepaid hotels via Amex Travel ≈Inferred by source

1× Everything else ≈Inferred by source

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Vendor-neutral by design — we never take issuer money for placement, and every fact carries a source and a freshness date. Perks and lounge access often carry conditions (enrollment, minimum spend, flight or status requirements); always confirm current terms with the issuer. Data last verified Aug 3, 2026 · see what's current.

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Bilt Card vs Amex Platinum
Points & Miles

Points & Miles — Bilt Card vs Amex Platinum

Earn rates by spend category

Bilt Card

1.25× Rent & mortgage (no transaction fee) ✓Verified by source

1× Everything else ≈Inferred by source

Amex Platinum

5× Flights (direct or Amex Travel) ≈Inferred by source

5× Prepaid hotels via Amex Travel ≈Inferred by source

1× Everything else ≈Inferred by source